Want to stay updated? Let us know if you’re interested in regular email updates.
Close
Skip to content
Money Helper logo Money Helper logo Money Helper logo Money Helper logo Money Helper logo Money Helper logo
Cymraeg
  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit

    Find out how Universal Credit works and how to manage your payment

    Benefits if you have children

    Entitlements to help with the cost of pregnancy or bringing up children

    Benefits if you’re sick, disabled or a carer

    Understand what support is available for coping with ill health

    Benefits in later life

    You may be entitled for help with other costs on top of your State Pension

    Benefits and work

    Extra support if you’re working, self-employed, or you’ve lost your job

    Benefits to help with housing costs

    Support to help with rent or mortgage payments if you’re on a low income

    Problems with benefits

    What to do if something goes wrong with your benefits

    Benefits

    All Benefits guidance

    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments

    How to choose, use and manage bank accounts

    Budgeting

    How to budget, find the best deals and switch to save money

    Buying and running a car

    How to buy and finance a car, deal with problems with car finance, and cut running costs

    Credit

    Credit basics, applying for credit, credit ratings and problems with credit

    Insurance

    Insurance for cars, health, travel, and help with insurance

    Everyday money

    All Everyday money guidance

    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent

    Having a baby, returning to work, childcare costs

    Death and bereavement

    Wills, inheritance, sorting out estates

    Divorce and separation

    Sorting out money and homes, what if you have children, money after break ups

    Illness and disability

    Managing costs, extra financial support, help with work or study

    Long-term care

    Paying and getting funding, ways to pay, problems with care

    Student and graduate money

    Credit cards, bank accounts, student debts

    Talk money

    Difficult conversations, talking to teenagers, older people and partners

    Family & care

    All Family & care guidance

    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home

    Mortgages, help buying, remortgaging, first-time buyers, help and support

    Renting

    Renting a home to live in, renting out a home, and overcoming problems

    Homes

    All Homes guidance

    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living

    Budgeting, paying bills, finding extra financial support, coping with job loss

    Dealing with debt

    Bills, court fines, help with debts

    Money problems and complaints

    What to do about mis-selling, compensation and complaints

    Scams

    Spotting scams and what to do if you’re caught out

    Money troubles

    All Money troubles guidance

    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment

    Introduction, how it works, all about contributions

    Building your retirement pot

    How much do you need, ways to build your pot, transferring and merging

    Pension basics

    Starting a pension, types of pension, understanding pensions

    Pension problems

    Complaints, financial help when retired, changes to schemes

    State Pension

    How it works, what you might get, National Insurance

    Taking your pension

    Ways to draw your pension, when can you retire, Pension Wise appointments

    Tax and pensions

    Tax allowances, tax paid on pensions, tax relief

    Pensions and retirement

    All guidance, including how to use the Pension Wise service

    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save

    Getting started, getting the most out of savings, problems

    Investing

    How to invest, types of investing, buying and managing

    Types of savings

    Help with meeting goals, tax-friendly saving, saving for children

    Savings

    All Savings guidance

    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment

    Basics, benefits, tax and National Insurance

    Losing your job

    What to do, alternatives, redundancy pay

    Self-employment

    Starting out, insurance, tax, self-assessment

    Work

    All Work guidance

    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Benefits
  • Everyday money
  • Family & care
  • Homes
  • Money troubles
  • Pensions & retirement
  • Savings
  • Work
  • Universal Credit Find out how Universal Credit works and how to manage your payment
    Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children
    Benefits if you’re sick, disabled or a carer Understand what support is available for coping with ill health
    Benefits in later life You may be entitled for help with other costs on top of your State Pension
    Benefits and work Extra support if you’re working, self-employed, or you’ve lost your job
    Benefits to help with housing costs Support to help with rent or mortgage payments if you’re on a low income
    Problems with benefits What to do if something goes wrong with your benefits
    Benefits All Benefits guidance
    Tools

    Tool

    Money Navigator

    Tool

    Money Manager

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Banking and payments How to choose, use and manage bank accounts
    Budgeting How to budget, find the best deals and switch to save money
    Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs
    Credit Credit basics, applying for credit, credit ratings and problems with credit
    Insurance Insurance for cars, health, travel, and help with insurance
    Everyday money All Everyday money guidance
    Tools

    Tool

    Compare bank accounts

    Tool

    Budget Planner

    Tool

    Money Midlife MOT

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Becoming a parent Having a baby, returning to work, childcare costs
    Death and bereavement Wills, inheritance, sorting out estates
    Divorce and separation Sorting out money and homes, what if you have children, money after break ups
    Illness and disability Managing costs, extra financial support, help with work or study
    Long-term care Paying and getting funding, ways to pay, problems with care
    Student and graduate money Credit cards, bank accounts, student debts
    Talk money Difficult conversations, talking to teenagers, older people and partners
    Family & care All Family & care guidance
    Tools

    Calculator

    Divorce calculator

    Calculator

    Baby costs calculator

    Tool

    Budget Planner

    Calculator

    Benefits calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Buying a home Mortgages, help buying, remortgaging, first-time buyers, help and support
    Renting Renting a home to live in, renting out a home, and overcoming problems
    Homes All Homes guidance
    Tools

    Calculator

    Stamp Duty calculator

    Calculator

    Mortgage affordability calculator

    Calculator

    Mortgage calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Help with the cost of living Budgeting, paying bills, finding extra financial support, coping with job loss
    Dealing with debt Bills, court fines, help with debts
    Money problems and complaints What to do about mis-selling, compensation and complaints
    Scams Spotting scams and what to do if you’re caught out
    Money troubles All Money troubles guidance
    Tools

    Tool

    Debt advice locator

    Calculator

    Benefits calculator

    Tool

    Bill prioritiser

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Auto enrolment Introduction, how it works, all about contributions
    Building your retirement pot How much do you need, ways to build your pot, transferring and merging
    Pension basics Starting a pension, types of pension, understanding pensions
    Pension problems Complaints, financial help when retired, changes to schemes
    State Pension How it works, what you might get, National Insurance
    Taking your pension Ways to draw your pension, when can you retire, Pension Wise appointments
    Tax and pensions Tax allowances, tax paid on pensions, tax relief
    Pensions and retirement All guidance, including how to use the Pension Wise service
    Tools

    Appointment

    Book a Pension Wise appointment

    Calculator

    Pension calculator

    Tool

    Money Midlife MOT

    Tool

    Find a retirement adviser

    ALL TOOLS

    Book your free Pension Wise appointment

    Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

  • How to save Getting started, getting the most out of savings, problems
    Investing How to invest, types of investing, buying and managing
    Types of savings Help with meeting goals, tax-friendly saving, saving for children
    Savings All Savings guidance
    Tools

    Calculator

    Savings calculator

    Tool

    Budget Planner

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

  • Employment Basics, benefits, tax and National Insurance
    Losing your job What to do, alternatives, redundancy pay
    Self-employment Starting out, insurance, tax, self-assessment
    Work All Work guidance
    Tools

    Tool

    Budget Planner

    Calculator

    Redundancy pay calculator

    ALL TOOLS

    Pensions issues? Join our community group

    Join our private Facebook group ‘Your pension and planning for the future – by MoneyHelper’ to get help and to chat about pensions

Home
Cymraeg
  1. Home
Home

Contact us

We’re here to help with any questions you have. If we don’t have the answer, we’ll guide you to someone who does. 

Get free, impartial guidance online or by phone.   

What’s in this guide

  • Help with pensions
  • Help with debt and money
  • Help with travel insurance
  • Help with fraud and scams
  • Accessibility
  • Security
  • Printed guides
  • Contact the Money and Pensions Service
  • Give us feedback or make a complaint
  • Book an appointment with us

Help with pensions

While we can’t offer regulated financial advice, our trained specialists can help you figure out the options you have so that you can make an informed decision. 

Phone

Call 0800 011 3797Opens in a new window to speak to a pension specialist.

From outside the UK: +44 20 7932 5780Opens in a new window.

If you’re self-employed: 0345 602 7021Opens in a new window. 

Open Monday to Friday, 9am to 5pm. Closed on weekends and bank holidays.  

Calls from the UK are free. Calls may be recorded or monitored for training and to improve our services.  

Webchat

Start pensions webchat

Chat with us live from Monday to Friday, between 9am and 5pm.  

Closed on weekends and bank holidays.

Online webform

Send a pensions enquiry

Want to write to us? We aim to respond within 5 working days.

Closed on weekends and bank holidays.

Back to top

Help with debt and money

Need help clearing your debts, reducing spending or making the most of your income? Our experts can give you independent and impartial money guidance.

Phone

Call 0800 138 7777Opens in a new window to speak to a debt and money specialist.

Welsh language: 0800 138 0555 Opens in a new window.

Typetalk: 18001 0800 915 4622Opens in a new window.  

From outside the UK: +44 20 3553 2279Opens in a new window.  

Open Monday to Friday, 8am to 6pm. Closed on weekends and bank holidays. 

Calls from the UK are free. Calls may be recorded or monitored for training and to improve our services.

Webchat

Start a debt and money webchat Opens in a new window

Chat with us live from Monday to Friday, between 8am and 6pm.  

Closed on weekends and bank holidays.  

WhatsApp

Download WhatsApp Opens in a new window

Send your question using WhatsApp: +44 77 0134 2744Opens in a new window.

You can send a message at any time. We will reply from Monday to Friday, between 8am and 6pm (excluding bank holidays). 

Online webform

Send a debt and money enquiry

Want to write to us?  We aim to respond within 2 working days.

Closed on weekends and bank holidays.

Back to top

Help with travel insurance

Open travel insurance directory

If you have a disability or serious medical condition, you can use our travel insurance directory to find a broker and get a quote directly from a specialist provider.    

Need more help?

If you need further support to find an insurer, contact the British Insurance Brokers' Association who can help you find a broker on 0370 950 1790.  

Back to top

Help with fraud and scams

Call 0800 015 4402Opens in a new window to get help and support if you think you've been scammed.

Open Monday to Friday, 9am to 5pm. Closed bank holidays.  

Calls from the UK are free. Calls may be recorded or monitored for training purposes and to improve our services.

Back to top

Accessibility

If you need help talking with our specialists about pensions or money and debt topics, just let us know what adjustments we can make.  

We will make sure you:  

  • receive guidance in a way that suits you 
  • have enough time to go through any questions  
  • feel comfortable to check your understanding of our guidance. 

These are our contact options if you have accessibility needs or a disability that makes phone conversations difficult, or if you simply prefer to write to us.

British Sign Language (BSL)

If you want to use BSL in your Pension Wise appointment, we can arrange an interpreter to help.

Request a BSL Pension Wise appointment

We also offer pensions guidance over Microsoft Teams if you’d like BSL support. Simply send an email request to let us know your needs.

Request a Microsoft Teams chat
Write to us online

If writing works best for you, get in touch using webchat or our online form to get help at a pace that suits you.

Contact our pensions specialists

Start pensions webchat
Send a pensions enquiry

Contact our money and debt specialists

Start a debt and money webchat Opens in a new window
Send a debt and money enquiry

Message a debt and money specialist live using WhatsApp on +44 77 0134 2744Opens in a new window.

Download WhatsApp Opens in a new window
Need an interpreter?

If English is your second language you can ask for an interpreter. Simply call and tell us which language you need.

For pension enquiries, request an interpreter by calling 0800 011 3797Opens in a new window.

For debt and money enquiries, request an interpreter by calling 0800 138 7777Opens in a new window.

Text relay services

If phone conversations are difficult, you can contact us using Relay UK. This confidential service lets you type directly to one of our specialists using a textphone or app. 

Visit Relay UK Opens in a new window

How can we improve?

If you have any other needs that you feel we should consider or suggestions for how we can do better, please get in touch.  

Report an accessibility issue.

Website accessibility

Find out more in our Accessibility statements.

Back to top

Security

Vulnerability Disclosure Platform

Back to top

Printed guides

Some of our guidance is available for free in print and other alternative formats.  

Find out about printed guides.

Back to top

Contact the Money and Pensions Service

MoneyHelper is a free service provided by the Money and Pensions Service.

Press and media enquiries

For media enquiries about MoneyHelper or the Money and Pensions Service, contact the Press Office (visit MaPS.org.uk)Opens in a new window

Partnerships enquiries

For free and practical support for your organisation, contact our regional Partnerships team (visit MaPS.org.uk)Opens in a new window

Careers

Find out about our current vacancies (visit MaPS.org.uk)Opens in a new window

Back to top

Give us feedback or make a complaint

Give us feedback.

Make a complaint about Pension Wise.

How to complain about our service.

Back to top

Book an appointment with us

Free Pension Wise appointment

Over 50? Get free, impartial guidance from our government-backed service. We’ll explain your options for taking money from your pension pots.

Pre-divorce / dissolution pension appointment
MoneyHelper’s dedicated pensions and divorce appointment service can help you if you’re going through a divorce or ending a civil partnership.
Back to top
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
Looking for us? Now, we’re MoneyHelper

MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper.

Continue to website
H.M. Government logo
Money and Pensions Service logo
Level AA conformance, W3C WAI Web Content Accessibility Guidelines 2.1 Clear English Standard for Websites logo
  • About us
  • Getting help and advice
  • Contact us
  • Partners
  • Tools and calculators
  • Give feedback
  • Welsh language scheme
  • Blog

Follow us:

© 2023 Money and Pensions Service, 120 Holborn, London EC1N 2TD. All rights reserved.

  • Terms & conditions
  • Privacy notice
  • Accessibility
  • Sitemap
  • Cookies
  • Cookie preferences Cookie preferences
Talk to us live for…
Close
Talk to us live for…
Close
Talk to us live for pensions guidance using…
Our pensions webchat and telephone helpline will be closed on Tuesday 28 March for staff training. We will re-open on Wednesday 29.
Previous Close
Talk to us live for money guidance using…
Previous Close
Talk to us live for pensions guidance using the telephone
Over 50 and want to know your pension options? Our call centre is closed right now, but you can explore your options with our simple online tool
  • From overseas: +44 20 7932 5780
  • For self-employed: 0345 602 7021*
Hours
  • Mon – Fri:9am–5pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Previous Close
Talk to us live for money guidance using the telephone
  • Welsh: 0800 138 0555*
  • Typetalk: 18001 0800 915 4622*
  • From overseas: +44 20 3553 2279
Hours
  • Mon – Fri:8am–6pm inc 23, 29 and 30 Dec
  • Sat, Sun and bank holidays:Closed: 24–28 Dec and 31 Dec to 3 Jan 2022

* Calls are free. We’re committed to providing you with a quality service, so calls may be recorded or monitored for training purposes and to help us develop our services.

Previous Close

Previous Close

Previous Close

Previous Close
Talk to us live for pensions guidance using web chat
Hours
  • Mon-Fri8am-6pm
  • Sat8am - 3pm
  • Sun and bank holidaysClosed
Previous Close
Talk to us live for money guidance using web chat
Hours
  • Mon, Wed, Fri8.20am - 6.20pm
  • Tues, Thurs9am - 6.20pm
  • Sat, Sun and bank holidaysClosed
Previous Close
Talk to us for pensions guidance using our web form

We aim to respond within 5 working days

Previous Close
Talk to us for money guidance using our web form

We aim to respond within 5 working days

Previous Close
Talk to us live for money guidance using WhatsApp

Download app: WhatsApp

For help sorting out your debts, credit questions or pensions guidance. For everything else please contact us via Webchat or Telephone.

Previous Close